A cross-selling opportunity is created when a consumer purchases only a single product

Regular bank examinations and restrictions on asset holdings indirectly help to ________ the adverse selection problem because, given fewer opportunities to take on risk, risk-prone entrepreneurs will be ________ from entering the banking industry

A) increase; encouraged B) increase; discouraged C) reduce; encouraged D) reduce; discouraged

________ is a program where informal manager-employee exchanges such as praise, approval, or expressions of appreciation are given for a job well done

A) Merit pay B) A social recognition program C) Performance feedback D) Variable pay